Yes we are still married.
The approximate market value would be £185000 and there is £19000 outstanding on the mortgage.
I am not planning any divorce proceedings and I am unaware of whether she is.
The house and contents are the only assets. We both have company pensions.
She works part time, 18 hours/week for the local government authority earning approximately £10500 a year. She also claims child and working tax credits to the vaue of approximately £550 per month and also is in receipt of all the child benefit of £134 per month.
I work full time 39 hours a week and my take home pay is £310 per week. I can increase my pay by working overtime but this is not reliable.
Looking on Rightmove there is currently one 3 bed property in the area priced at £159950 but this doesnt have a garden and just a back yard. This is the lowest priced property that I have found.
The monthly mortgage payment is £190 per month on a repayment mortgage. This is backed up by two insurance policies which I also pay costing me £15 per month. These policies are of the type that only pay out on the death of either of us to cover the remainder of the mortgage.
I am aware that she has disposed of a pine dining table and 6 chairs that cost £650 pounds about 10 years ago and a gas barbecue that cost approximatley £200 about 4 years ago.
Unless my children tell me I don't know what may or may not have been sold or removed as like I stated earlier she has changed the locks and I have no access to the house as I do not have a key.
Its not that i would have wanted these items, its about the sale of them and no recompense to me. Its also about whether she can just sell them without asking as they were jointly owned.
The children have stayed with me once each for one night each in the time we have been separated. They are generally with me at least one day a week. If its a week day I cook there evening meal if its at the weekend then I feed them lunch and evening meal.
I understand that I am paying less than the CSA assessment would be and by my calculations that would be approximately £30 per month. The fact that I pay the mortgage in lieu of maintenance was the option I chose of the two that were offered by my ex ie maintenance or mortgage.
Although I jointly own the matrimonial home with her I do not have access as she changed the locks and I do not have a key.
We both have company pensions. If she made a claim on mine could I make a claim on hers?
A 50/50 split would be acceptable to me. I say this as I would be agrieved and feel that considering the major source of finance for the last 15 years has been my income, even though she has had the opportunity to increase her earnings potential by increasing her hours as the children have become older.
Would it be possible to argue a 50/50 split on the grounds of ability to get a mortgage to be able to purchase another property due to age?
I am 52 and she is 45.
Is she entitled to give property away or remove a garden shed without consultation with me?